Is Sweetwater Card the right fit for you?

1 more

Last Updated: 07/28/2025

Sweetwater Card

from Synchrony Bank

Last Updated: 07/28/2025

Rating not yet determined3 total votes

1 user recommends

2 users don't recommend

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Highlights

Purchase APR (Variable APR)

Up to 29.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 850

Annual Fee

N/A

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Sweetwater credit card

As an FDIC-insured online bank, we’re unburdened by the expense of traditional brick-and-mortar branches. That means we can pass those savings on to our customers through our market-leading rates. We’re a part of Synchrony—a Fortune 500 company that’s been helping consumers reach for what’s important for more than 80 years.We’re also the leading provider of private-label credit cards in the United States, so we might already be in your wallet supporting one of your favorite retailers.

The Sweetwater Card allows you to get the gear you’ve always dreamed of today and pay over time with low monthly payments. Hundreds of participating music brands. Quick and easy to apply. Use your approved credit amount to buy the gear of your dreams...today!

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Andrew Latham

Contact

Headquarters

777 Long Ridge Rd

Stamford, CT 06905

Email Support

Hours of Operation

Sunday8:00AM - 12:00AMMonday8:00AM - 12:00AMTuesday8:00AM - 12:00AMWednesday8:00AM - 12:00AMThursday8:00AM - 12:00AMFriday8:00AM - 12:00AMSaturday8:00AM - 12:00AM

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Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-33

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Sweetwater Card Community Reviews

Would you recommend Sweetwater Card to your friends?

Gabriel L.

May 30, 2023

Would not Recommend

I had the sweetwater for over a year, then after doing every payment on time, they decreased my credit line by 2.000$, and my credit score dropped hard. Do not recommend at any cost, scam company Synchrony. Customer service is awful, don’t trust any other reviews online, probably made by people who work there.

Anonymous

Dec 16, 2021

Would not Recommend

Terrible company. Was approved, purchased an item and paid it off without missing a payment and as a thank you they lowered my credit line significantly for no reason at all thus causing my credit score to drop. This seems to be a common practice today.

David S.

Jun 2, 2021

Would Recommend

It was my first time getting a credit card online, usually just like doing stuff in-person. Sweetwater does a 48-month promotional deal twice a year (one late spring, one in fall) and it was well worth it! Payments are split equally, rather than some flat minimum and I find this very convenient. If you are looking to boost your credit score and want cool gear, I highly recommend this card.

Showing 3 of 3 reviews